Sukanya Samriddhi Yojana: If you are the parents of a daughter and you are worried about your daughter’s future, then do not worry at all. Today we have brought you information about such a scheme, through which your daughter can get up to Rs 70 lakh.
Under this scheme, you get tremendous returns, which can secure your daughter’s future. The name of the scheme we are talking about is Sukanya Samriddhi Yojna. This scheme has been started for daughters. If you want to get more information about it, then stay with us till the end.
Good returns are available under the scheme
This scheme is the highest return providing scheme among all the small savings schemes. The government determines the interest rate of this scheme every three months. Currently 8.2 percent annual interest rate is being offered in Sukanya Samriddhi Yojana. This is the annual compound interest rate. By opening an account in this scheme, you can raise a good amount for your daughter’s higher education and marriage. The scheme launched by the government to benefit daughters is really a commendable step. By taking advantage of this scheme, you can make your daughter’s future secure.
Pay special attention to these things under the scheme
- Under this scheme, an account can be opened even before the daughter turns 10 years old.
- Sukanya Samriddhi Account can be open only for 2 daughters in a family. In case of twins and triplets, more than 2 accounts can be opened.
- After opening an account in this scheme, contribution can be made till the completion of maximum 15 years.
- If an investor open an account in that scheme after the birth of his daughter, then he can deposit his contribution for the 15 years. After that there will be a lock-in period of next 6 years. During this time you do not have to invest, but interest keeps coming.
- Under that scheme, 50 percent of maturity amount can be withdrawn after daughter turns 18 and the remaining amount can be withdrawn after daughter turns 21.
- In this scheme, the benefit of income tax exemption is also provided on investment of up to Rs 1.50 lakh made in a year.
- This scheme is available with EEE status. That is, there is no tax on investment amount, interest income and maturity amount.
How to open an account under the Sukanya Samriddhi Yojana for you daughter
- Under Sukanya Samriddhi Yojana, you have to apply offline, the facility of applying online is not available under this scheme.
- To apply in the scheme, first of all you have to go to your nearest post office or bank.
- From here you have to take the relevant form to open an account in Sukanya Samriddhi Yojana.
- After this, all the information asked in this application form has to be entered carefully.
- After this, all the relevant documents have to be attached with the application form.
- Now this application form has to be submitted by you through post office or bank.
- This way you can open an account for your daughter in Sukanya Samriddhi Yojana.